“Absolutely certain,” was the cheery reply. “You are a very clever young fellow, Dick, and have proved a marvellously apt pupil since you have been with me, but I managed this practice single-handed before you came to me, and I have no doubt I can do it again, if needs be. So be off with you at once, my lad; for your mother seems to be in sore need of you.”

Five minutes later Dick Maitland had boarded a tramcar, on his way to London Bridge railway station, from whence he took train for the Crystal Palace, the nearest station to his mother’s home, which he reached within two hours of his departure from Number 19 Paradise Street.

Now, as Dick Maitland happens to be the hero of this story it is necessary he should be properly introduced to the reader, and this seems as appropriate a moment as any.

To begin with, then, when we caught our first glimpse of him, assisting Dr Humphreys to dress and bind up those tokens of affection which Mr William Taylor had bestowed upon his wife, Dick Maitland was within three months of his eighteenth birthday, a fine, tall, fairly good-looking, and athletic specimen of the young public-school twentieth-century Englishman. He was an only son; and his mother was a widow, her husband having died when Dick was a sturdy little toddler a trifle over three years of age. Mrs Maitland had been left quite comfortably off, her husband having accumulated a sufficient sum to bring her in an income of close upon seven hundred pounds per annum. The provisions of Mr Maitland’s will stipulated that the income arising from his carefully chosen investments was to be enjoyed by his widow during her lifetime, subject to the proper maintenance and education of their only son, Dick; and upon the demise of Mrs Maitland the capital was to go to Dick, to be employed by the latter as he might deem fit. But a clause in the will stipulated that at the close of his school career Dick was to be put to such business or profession as the lad might choose, Mr Maitland pithily remarking that he did not believe in drones. But since Mrs Maitland, although a most excellent woman in every respect, had no head for business, her husband appointed honest old John Cuthbertson, his own and his father’s solicitor, sole executor of his will; and so died happily, in the full conviction that he had done everything that was humanly possible to assure the future welfare of his widow and infant son. And faithfully had John Cuthbertson discharged his trust, until in the fullness of years he had laid down the burden of life, and his son Jonas had come to reign in the office in his father’s stead. This event had occurred some three years previously, about the time when Dick, having completed his school life, had elected to take up the study of medicine and surgery.

This important step had involved many interviews between Mrs Maitland and “Mr Jonas”, as the clerks in his father’s office had learned to call him; for the said Mr Jonas had succeeded to the executorship of many wills—Mr Maitland’s among them—as well as the other portions of his father’s business; and so great had been the zeal and interest that he had displayed during the necessary negotiations, that Mrs Maitland had been most favourably impressed. Indeed Jonas Cuthbertson had honestly earned the very high opinion that Mrs Maitland had formed of him, displaying not only interest and zeal but also a considerable amount of acumen in the matter of Dick’s placing. For, when Mrs Maitland, perhaps very naturally, expressed the wish that Dick should begin his studies under the guidance of some eminent Harley Street specialist, the solicitor strenuously opposed the idea, not only upon the score of expense, but also because, as he argued, Dick would certainly acquire a wider knowledge of diseases and their cure—and acquire it much more quickly—under some hard-working practitioner among the East-End poor of London; and that, as he very truly pointed out, was the great desideratum in such a case as Dick’s, far outweighing the extra hard work and the sordid surroundings to which Mrs Maitland had at first so strenuously objected. Moreover, Dick agreed with the solicitor; and in the end the maternal objections were overcome, careful enquiries were instituted, and finally Dick found himself installed as a pupil in the somewhat Bohemian establishment of Doctor Julian Humphreys, M.D., M.R.C.P., M.R.C.S., and several other letters of the alphabet. And, queer though the arrangement was in many respects, it proved eminently satisfactory to Dick; for Dr Humphreys was not only an extraordinarily able physician and surgeon, but also marvellously clever and learned outside the bounds of his profession, gentle and tender-hearted as a woman, and a thoroughly good fellow all round, in the best and highest sense of the term. As for Dick, he displayed from the outset a quite exceptional aptitude for the noble profession which he had chosen; study, instead of being irksome, was a pleasure—almost a passion—with him; his nerves were steel, he never for a moment lost his head even when assisting at the most sickening operation; his touch was light and sure; and knowledge seemed to come to him intuitively. No wonder that Doctor Humphreys persistently predicted a brilliant and successful career for his pupil.

Upon his arrival home Dick found his mother in such an acute state of distress that for the first few moments of their interview she seemed to be quite incapable of making any intelligible statement: she could do nothing but weep copiously upon her stalwart son’s shoulder and gasp that they were ruined—utterly and irretrievably ruined! At length, however, the lad managed to extract from Mrs Maitland the statement that she had seen, in the previous morning’s papers, an account of the suicide of Mr Jonas Cuthbertson, a solicitor; and, judging from the name and other particulars given in the published account, that it must be their Mr Cuthbertson, she had hurried up to town and called at Cuthbertson’s chambers, where her worst apprehensions had received complete and terrible confirmation. From the particulars supplied by Mr Herbert, Cuthbertson’s chief clerk, it appeared that “Mr Jonas”, after walking worthily in his father’s footsteps for two years, had become infected with the gambling craze, and, first losing all his own money, had finally laid hands upon as much of his clients’ property as he could obtain access to, until, his ill luck still pursuing him, he had lost that also, and then had sought to evade the consequences of his misdeeds by blowing out his brains with two shots from a revolver. This final act of folly had been perpetrated two days before the account of it in the papers had fallen under Mrs Maitland’s notice, and in the interim there had, of course, been time only to make a very cursory examination into the affairs of the suicide, but that examination had sufficed to reveal the appalling fact that every available security, both of his own and of his clients, had disappeared, while sufficient evidence had been discovered to show pretty clearly what had led to their disappearance.

This was the sum and substance of Mrs Maitland’s somewhat incoherently told story, and when Dick had heard it through to the end he had no reason to doubt its truth; but manifestly it was not at all the sort of story to be taken upon trust, it must be fully and completely investigated, if only for the purpose of ascertaining whether or not anything, however small, was to be saved from the wreck; accordingly, after partaking of a hasty lunch, young Maitland wended his way to the City, and there had a most discouraging interview with Mr Herbert, who was by this time busily engaged upon the preparation of a detailed statement of the position of affairs, for the information of his late employer’s clients and creditors. This, Mr Herbert explained, was proving a task of much less difficulty than he had anticipated, since Cuthbertson had apparently kept an accurate account of all his gambling transactions—some of which had, latterly, been upon a gigantic scale—with the evidently desperate resolution of recovering his former losses, or ruining himself in the attempt, while he had not destroyed any of his papers, as so many suicides do before perpetrating the final act of folly. The position of affairs, as outlined by Mr Herbert, was gloomy enough, but he made it clear to Dick that for the moment he was speaking with reserve, as it was impossible for him to say anything of an absolutely definite character until the investigation—which was being conducted with the aid of a firm of chartered accountants of high standing—should be complete.

Having now ascertained all in connection with the deplorable business that was for the moment possible, Dick returned to his mother and did his best to comfort and encourage her; but, as might have been expected, his efforts met with no very great measure of success, seeing that there was practically nothing of a comforting or encouraging character in the story told him by Jonas Cuthbertson’s chief clerk.

The next morning Dick Maitland returned to Number 19 Paradise Street, where he found his friend Humphreys as busily engaged as ever in his work of healing the sick and comforting the sorrowing poor, and received a welcome from the cheery, genial medico that seemed to ease his shoulders of at least half their load of anxiety. But it was not until well on towards evening that the claims upon the Doctor’s time and attention slackened sufficiently to afford an opportunity for Dick to tell his story, which, after all, was only an amplified edition of the story originally told in Mrs Maitland’s letter.

When at length the tale was fully told, and Humphreys had, by dint of much cross-questioning, fully mastered all its miserable details, he sat for half an hour or more, smoking diligently and silently as he considered in what way he could best help his young friend. At length, however, an idea seemed to occur to him, for he looked up and said: